Ten Year Term Life rates with Crohn’s

Looking for best Ten year term life rates with Crohn’s?

Ten year term life insurance is a very popular plan of life insurance coverage. After all, the rates are typically guaranteed to not increase during the ten years of the policy. So, this allows you to plan wisely for a short term period of protection.

But, finding the most affordable coverage on ten year term life can be more difficult if you have a pre-existing medical condition such as Crohn’s disease or ulcerative colitis .

This article will give you the information you need in order to find the carriers that offer the most competitive rates on ten year term life with pre-existing medical conditions.

Use an expert agentTen Year term life with Crohns

In the life insurance arena you have multiple options in order to find rates on ten year term life. You can easily go online and search among hundreds of different big box call centers, agent sites or perhaps even contacting your local home and auto carrier.

This would be a mistake. Don’t waste your time and money. Many insurance company websites will quote you a super preferred or even preferred rate just to give you a low premium on the chance you might apply for coverage.

The only way an insurance company can tell you your exact rate on ten year term life is to underwrite your policy completely.

You want to use an independent expert agent who deals with 10 year term life coverage for those with Crohn’s disease all the time.

This means asking medical questions, getting insurance exams, labs, EKG’s completed, ordering your Dr’s records, etc. A rate over the phone or online is just that- a rate or a best guess.

But, you can get a much more accurate idea of what your final rate would be by speaking to an agent who has years of experience and knowledge dealing with customers of who have pre-exisitng medical conditions.

It is best to speak directly to the agent. No e-mailing or texting. Too much is lost in translation this way. The agent will need to ask you several questions about your medical history.

If you can provide your agent with a good working knowledge of your current medical history and lifestyle questions, the agent should be able to give within 95% accuracy of what your final rates would be should you decide to apply.

What questions will my agent ask me?

So, when looking for coverage for life insurance the typical questions that any prospective life insurance buyer would be:

  • Name
  • Date of Birth
  • Any history of tobacco use? If so, what kind?
  • Current height/weight
  • Current prescription medications taken?
  • Any history of heart disease, cancer, diabetes, etc?
  • Any family history of heart disease or cancer that resulted in death before the age of 60?
  • Amount of coverage requested?

Questions relating to Crohn’s disease?

This is where you want to get very specific with your agent. The more information you can provide, the better job the agent can do in discussing your case.  And the better chance for you of getting the lowest rates available.

  • When were you diagnosed with Crohn’s?
  • When was your last episode?
  • What treatments are you currently being prescribed?
  • Have you had any surgeries? If so, date.
  • Do you participate in any regular exercise programs?
  • Any other medical history, surgery, etc. 

How your agent proceeds to find you the lowest offer

Once your agent has the information above, they can then go to work to negotiate the lowest possible offer on your ten year term life policy.

The agent will speak to several insurance companies by phone and let the compete for your business. Knowing how to sell the case to the underwriter is part of the advantage of using an experience agent in the special risk market.

As mentioned earlier an underwriter most have all of the details of your medical history, current exams, labs, etc. to give you the final rate. But, if  you know or have a good ideas that your most recent labs are normal, and there are no surprises in your medical records, the rate offered by the insurer before completion of full underwriting should be about 95% accurate.

Top 10 year term life companies

In the world of life insurance underwriting of Crohn’s disease you can usually know which carriers will offer the best rates simply by the history of what they have done in the past.

Here are the carriers that offer you the best chance for the lowest rates on ten year term life policies with Crohns disease:

  • Prudential Life 
  • Phoenix Life
  • Banner Life
  • United Of Omaha
  • American General Life 
  • Lincoln National Life 
  • North American Life
  • Principal National Life
  • Protective Life 

Is Ten Year Term Life the best option?

It is important to understand what your needs are when buying life insurance. Is it a short term need or longer?

Ten year term life is best used for a short term need such as until the house gets paid off, or until the last kid leaves the house. From a business life insurance prospective a ten year term life might be used to protect a loan that was used to expand the business.

Remember, ten year term life rates will jump dramatically at the end of the term. So, if your need for coverage has even the potential for going longer than ten years you should consider other options. Remember, most life insurance carriers offer coverage with rates guaranteed anywhere from ten years to thirty years depending on the age.

Also, purchase enough coverage. Many people make the mistake of buying too little coverage. If you haven’t had a complete needs analysis done, you can go here and determine how much coverage you need.


A life insurance purchase does not have to be difficult. When looking for ten year term life insurance with Crohn’s disease, be sure to use an expert agent with knowledge of this area of special risk underwriting. Fortunately, you have stumbled upon this article and now have a place to turn for assistance. We also offer guaranteed issue life coverage.

You can reach us at 1-888-393-9003 or email the owner mike@specialriskterm.com for a free consultation. Thank you for reading this blog.



For a FREE quote

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Call: 678-207-8160
Text: 678-207-8160
Email: mike@specialriskterm.com
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How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160

Email: mike@specialriskterm.com

Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.
About SpecialRiskTerm.com
About SpecialRiskTerm.com

We work with individuals across the nation to secure the best life insurance rates.

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